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Cars don't come cheap either. While car insurance rates can get expensive, you can take measures to decrease your premium; shop around, drive safely, keep your credit rating high, and keep driving! There are liability car insurance policies that cover for accidental bodily injury as well as property damage to others. There is also a type of policy for covering car damages caused by a car accident caused by the other driver who has insufficient liability insurance. If you have a car, then you would need car insurance.
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